Habitat for Humanity of Missoula Homeownership Program
First mortgage · New construction · Income limits
Down payment assistance · Missoula County
Buying a home in Lolo, MT
1 county program and 11 statewide.Lolo has no program of its own, 1 across Missoula County, and 11 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Lolo
No program of Lolo’s own yet
No program run for Lolo alone is listed. A home in Lolo can use Missoula County’s programs below, plus the Montana statewide and federal ones.
The closest city that runs its own program is Great Falls, about 140 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MissoulaAnywhere in Missoula County
1 county program1 county program a Lolo homebuyer can use
The Lolo marketThe Lolo housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lolo
- 69.2% single-familysingle-family
- 2.3% townhousetownhouse
- 12.9% 2–4 units2–4 units
- 12.2% 5+ unitscondo & apartment buildings (5+ units)
- 3.4% mobile & othermobile home & other
About condos. Lolo’s one local program does not list condos as eligible. Habitat for Humanity of Missoula Homeownership Program lists newly-constructed habitat single-family homes.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lolo’s homes were built
pre-19401970s2020+
30.8%
of Lolo homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$110,100
County area median income, 4 people (HUD)HUD area median income, Missoula County, 4-person household (2026)
$86,065
Lolo median household incomeMedian household income in Lolo (Census, 2024)
14 of the 74 programs here set their income limit as a share of Missoula County’s area median income, adjusted for household size. See the published limits for Missoula County
Free help nearbyFree help near Lolo
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Lolo’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Habitat for Humanity of Missoula Homeownership Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Montana and nationwide
73 statewide & federal programs11 statewide programs, plus federal options
Lolo questions
Does Lolo have its own down payment program?
No program run for Lolo alone is listed. A home in Lolo can use the 1 program that cover Missoula County and the 11 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Lolo?
Lolo’s one local program does not list condos as eligible. Habitat for Humanity of Missoula Homeownership Program lists newly-constructed habitat single-family homes. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Missoula County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Missoula County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Lolo?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Lolo. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
59847
Nearby in Missoula
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.